Simple, Transparent Pricing

Every credit situation is different, so the timeline can vary from person to person. Many clients begin seeing progress within 30 to 45 days, while more challenging cases can take anywhere from 2 to 6 months. Our focus is on doing things the right way, staying compliant, and helping create lasting results.

We cannot legally guarantee an exact score increase, but we have helped a very large number of clients make real progress. Our high success rate comes from using proven and compliant strategies designed to target the root of credit problems.

No. We do not require long-term contracts. Our services are offered as monthly or one-time payment options, so you can choose what works best for you. If you need more help along the way, you can continue with us, but you are never locked into anything.

The Essential Plan is our more affordable option for people who want to get started and improve their credit at a normal pace. The Accelerated Plan includes everything in the Essential Plan, but it uses a stronger strategy with two disputes per round, direct disputes to debt collectors, creditors and furnishers, and secondary bureaus, along with priority processing and more personalized recommendations. In simple terms, Essential is for steady progress, while Accelerated is for people who want a faster and more aggressive approach.

Yes. Credit monitoring is required during the program. It allows us to see changes on your credit reports, track your progress, and stay on top of updates. Without it, we cannot properly manage the dispute process. We recommend SmartCredit because it gives us the access and details we need to help you effectively.

Yes. You can upgrade your plan at any time if you decide you need a stronger or faster-moving approach. This gives you flexibility to start where you are comfortable and move up later if needed.